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Country Report

Credit Card Transactions in

Credit Cards in the US

25 pages, Nov 2018

US$990

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Credit cards continue to grow amid cautious optimism

In 2018, credit cards saw substantial value growth, returning to pre-recession levels. Ease of use, increased security features like fraud protection and social security number monitoring, and a high variety of rewards have positioned credit cards at the top of mind among US consumers.

Small business credit cards flourish

During 2018, commercial credit card growth outpaced personal credit card growth in the US. Although the total number of commercial credit cards in circulation is only a fraction of that for personal credit cards, average transaction size is significantly higher.

New generation of digital wallets

In pursuit of a smoother experience while paying at sales points, consumers in the US have increased their use of mobile wallets. Although transactions from mobile wallets only account for a small percentage of total transactions, they are expected to increase over the forecast period.

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

Issuers across the country continue to expand their travel rewards portfolio as new cards compete for US consumers. The travel rewards credit cards segment has traditionally included partnerships with hospitality groups and airlines.

American Express focusing on millennials

After losing Costco’s co-branded portfolio to Citigroup in 2016 due to high merchant fees, American Express has shifted its focus away from its traditional affluent consumer base to a larger consumer segment: millennials. The bank created a tailored offering known as “Plan it”, which allows users to create an interest-free payment plan with set instalments for higher value purchases, all via a mobile app.

Starbucks transforms current loyalty programme

In February 2018, Starbucks launched its Starbucks Rewards Visa Card, a co-branded card from JP Morgan Chase. The brand has excelled in becoming an essential part of consumers’ lifestyles and continues to do so through the launch of the credit card.

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Overview

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Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

HEADLINES

PROSPECTS

Charge cards showing signs of recovery

Targeting small businesses

Average transaction size increasing

COMPETITIVE LANDSCAPE

Back to basics

Gaining back lost ground

In search of millennials

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2013-2018
Table 2 Charge Cards Transactions 2013-2018
Table 3 Charge Cards in Circulation: % Growth 2013-2018
Table 4 Charge Cards Transactions: % Growth 2013-2018
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2013-2018
Table 6 Commercial Charge Cards Transactions 2013-2018
Table 7 Commercial Charge Cards in Circulation: % Growth 2013-2018
Table 8 Commercial Charge Cards Transactions: % Growth 2013-2018
Table 9 Personal Charge Cards: Number of Cards in Circulation 2013-2018
Table 10 Personal Charge Cards Transactions 2013-2018
Table 11 Personal Charge Cards in Circulation: % Growth 2013-2018
Table 12 Personal Charge Cards Transactions: % Growth 2013-2018
Table 13 Charge Cards: Number of Cards by Issuer 2013-2017
Table 14 Charge Cards: Number of Cards by Operator 2013-2017
Table 15 Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 16 Charge Cards Payment Transaction Value by Operator 2013-2017
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2013-2017
Table 18 Commercial Charge Cards: Number of Cards by Operator 2013-2017
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2013-2017
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2013-2017
Table 21 Personal Charge Cards: Number of Cards by Issuer 2013-2017
Table 22 Personal Charge Cards: Number of Cards by Operator 2013-2017
Table 23 Personal Charge Cards Transaction Value by Issuer 2013-2017
Table 24 Personal Charge Cards Transaction Value by Operator 2013-2017
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2018-2023
Table 26 Forecast Charge Cards Transactions 2018-2023
Table 27 Forecast Charge Cards in Circulation: % Growth 2018-2023
Table 28 Forecast Charge Cards Transactions: % Growth 2018-2023
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 30 Forecast Commercial Charge Cards Transactions 2018-2023
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2018-2023
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 34 Forecast Personal Charge Cards Transactions 2018-2023
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2018-2023
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2018-2023

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Credit cards continue to grow amid cautious optimism

Small business credit cards flourish

New generation of digital wallets

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

American Express focusing on millennials

Starbucks transforms current loyalty programme

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2013-2018
Table 38 Credit Cards Transactions 2013-2018
Table 39 Credit Cards in Circulation: % Growth 2013-2018
Table 40 Credit Cards Transactions: % Growth 2013-2018
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2013-2018
Table 42 Commercial Credit Cards Transactions 2013-2018
Table 43 Commercial Credit Cards in Circulation: % Growth 2013-2018
Table 44 Commercial Credit Cards Transactions: % Growth 2013-2018
Table 45 Personal Credit Cards: Number of Cards in Circulation 2013-2018
Table 46 Personal Credit Cards Transactions 2013-2018
Table 47 Personal Credit Cards in Circulation: % Growth 2013-2018
Table 48 Personal Credit Cards Transactions: % Growth 2013-2018
Table 49 Credit Cards: Number of Cards by Issuer 2013-2017
Table 50 Credit Cards: Number of Cards by Operator 2013-2017
Table 51 Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 52 Credit Cards Payment Transaction Value by Operator 2013-2017
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2013-2017
Table 54 Commercial Credit Cards: Number of Cards by Operator 2013-2017
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2013-2017
Table 57 Personal Credit Cards: Number of Cards by Issuer 2013-2017
Table 58 Personal Credit Cards: Number of Cards by Operator 2013-2017
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2013-2017
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2013-2017
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2018-2023
Table 62 Forecast Credit Cards Transactions 2018-2023
Table 63 Forecast Credit Cards in Circulation: % Growth 2018-2023
Table 64 Forecast Credit Cards Transactions: % Growth 2018-2023
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 66 Forecast Commercial Credit Cards Transactions 2018-2023
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2018-2023
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 70 Forecast Personal Credit Cards Transactions 2018-2023
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2018-2023
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2018-2023

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Small purchases increase

Debit cards unable to compete with hefty reward schemes

EMV chips offer safer future

COMPETITIVE LANDSCAPE

Debit card rewards 2.0

Going offline – online services becoming plastic

Wells Fargo continues to lead the way

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2013-2018
Table 74 Debit Cards Transactions 2013-2018
Table 75 Debit Cards in Circulation: % Growth 2013-2018
Table 76 Debit Cards Transactions: % Growth 2013-2018
Table 77 Debit Cards: Number of Cards by Issuer 2013-2017
Table 78 Debit Cards: Number of Cards by Operator 2013-2017
Table 79 Debit Cards Payment Transaction Value by Issuer 2013-2017
Table 80 Debit Cards Payment Transaction Value by Operator 2013-2017
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2018-2023
Table 82 Forecast Debit Cards Transactions 2018-2023
Table 83 Forecast Debit Cards in Circulation: % Growth 2018-2023
Table 84 Forecast Debit Cards Transactions: % Growth 2018-2023

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

HEADLINES

PROSPECTS

Ubiquity of pre-paid cards

Extended protection for consumers

Evolution of pre-paid cards

COMPETITIVE LANDSCAPE

The arrival of Apple Pay Cash

Going card-less

Uncertain future for pre-paid cards

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2013-2018
Table 86 Pre-paid Cards Transactions 2013-2018
Table 87 Pre-paid Cards in Circulation: % Growth 2013-2018
Table 88 Pre-paid Cards Transactions: % Growth 2013-2018
Table 89 Closed Loop Pre-paid Cards Transactions 2013-2018
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 91 Open Loop Pre-paid Cards Transactions 2013-2018
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2013-2018
Table 93 Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 94 Pre-paid Cards Transaction Value by Operator 2013-2017
Table 95 Open Loop Pre-paid Cards: Number of Cards by Operator 2013-2017
Table 96 Open Loop Pre-paid Cards Transaction Value by Operator 2013-2017
Table 97 Forecast Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 98 Forecast Pre-paid Cards Transactions 2018-2023
Table 99 Forecast Pre-paid Cards in Circulation: % Growth 2018-2023
Table 100 Forecast Pre-paid Cards Transactions: % Growth 2018-2023
Table 101 Forecast Closed Loop Pre-paid Cards Transactions 2018-2023
Table 102 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 103 Forecast Open Loop Pre-paid Cards Transactions 2018-2023
Table 104 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2018-2023

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

HEADLINES

PROSPECTS

Uncertain future for store cards

Entry of card free loyalty programmes

Store cards losing ground to co-branded cards

COMPETITIVE LANDSCAPE

Synchrony remains leading player

Company targeting transitioning customers

Capital One secures Walmart as store card customer

CATEGORY DATA

Table 105 Store Cards: Number of Cards in Circulation 2013-2018
Table 106 Store Cards Transactions 2013-2018
Table 107 Store Cards in Circulation: % Growth 2013-2018
Table 108 Store Cards Transactions: % Growth 2013-2018
Table 109 Store Cards: Number of Cards by Issuer 2013-2017
Table 110 Store Cards: Payment Transaction Value by Issuer 2013-2017
Table 111 Forecast Store Cards: Number of Cards in Circulation 2018-2023
Table 112 Forecast Store Cards Transactions 2018-2023
Table 113 Forecast Store Cards in Circulation: % Growth 2018-2023
Table 114 Forecast Store Cards Transactions: % Growth 2018-2023

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY

Card usage continues to grow

EMV chip cards and contactless cards gaining ground

Peer-to-peer payments take off

Reward schemes – the sky’s the limit

Voice-activated payments the way ahead?

MARKET INDICATORS

Table 115 Number of POS Terminals: Units 2013-2018
Table 116 Number of ATMs: Units 2013-2018
Table 117 Value Lost to Fraud 2013-2018
Table 118 Card Expenditure by Location 2017
Table 119 Financial Cards in Circulation by Type: % Number of Cards 2013-2018
Table 120 Domestic versus Foreign Spend 2018

MARKET DATA

Table 121 Financial Cards by Category: Number of Cards in Circulation 2013-2018
Table 122 Financial Cards by Category: Number of Accounts 2013-2018
Table 123 Financial Cards Transactions by Category: Value 2013-2018
Table 124 Financial Cards by Category: Number of Transactions 2013-2018
Table 125 Consumer Payments by Category: Value 2013-2018
Table 126 Consumer Payments by Category: Number of Transactions 2013-2018
Table 127 M-Commerce by Category: Value 2013-2018
Table 128 M-Commerce by Category: % Value Growth 2013-2018
Table 129 Financial Cards: Number of Cards by Issuer 2013-2017
Table 130 Financial Cards: Number of Cards by Operator 2013-2017
Table 131 Financial Cards: Card Payment Transactions Value by Operator 2013-2017
Table 132 Financial Cards: Card Payment Transactions Value by Issuer 2013-2017
Table 133 Forecast Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 134 Forecast Financial Cards by Category: Number of Accounts 2018-2023
Table 135 Forecast Financial Cards Transactions by Category: Value 2018-2023
Table 136 Forecast Financial Cards by Category: Number of Transactions 2018-2023
Table 137 Forecast Consumer Payments by Category: Value 2018-2023
Table 138 Forecast Consumer Payments by Category: Number of Transactions 2018-2023
Table 139 Forecast M-Commerce by Category: Value 2018-2023
Table 140 Forecast M-Commerce by Category: % Value Growth 2018-2023

Megatrends

Country Report

Credit Cards in the US

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Credit cards continue to grow amid cautious optimism

Small business credit cards flourish

New generation of digital wallets

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

American Express focusing on millennials

Starbucks transforms current loyalty programme

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in the US - Category analysis

Charge Cards in the US - Company Profile

HEADLINES

PROSPECTS

Charge cards showing signs of recovery

Targeting small businesses

Average transaction size increasing

COMPETITIVE LANDSCAPE

Back to basics

Gaining back lost ground

In search of millennials

CATEGORY DATA

Credit Cards in the US - Category analysis

Credit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Credit cards continue to grow amid cautious optimism

Small business credit cards flourish

New generation of digital wallets

COMPETITIVE LANDSCAPE

Travel reward cards taking-off

American Express focusing on millennials

Starbucks transforms current loyalty programme

CATEGORY DATA

Debit Cards in the US - Category analysis

Debit Cards in the US - Company Profile

HEADLINES

PROSPECTS

Small purchases increase

Debit cards unable to compete with hefty reward schemes

EMV chips offer safer future

COMPETITIVE LANDSCAPE

Debit card rewards 2.0

Going offline – online services becoming plastic

Wells Fargo continues to lead the way

CATEGORY DATA

Pre-Paid Cards in the US - Category analysis

Pre-Paid Cards in the US - Company Profile

HEADLINES

PROSPECTS

Ubiquity of pre-paid cards

Extended protection for consumers

Evolution of pre-paid cards

COMPETITIVE LANDSCAPE

The arrival of Apple Pay Cash

Going card-less

Uncertain future for pre-paid cards

CATEGORY DATA

Store Cards in the US - Category analysis

Store Cards in the US - Company Profile

HEADLINES

PROSPECTS

Uncertain future for store cards

Entry of card free loyalty programmes

Store cards losing ground to co-branded cards

COMPETITIVE LANDSCAPE

Synchrony remains leading player

Company targeting transitioning customers

Capital One secures Walmart as store card customer

CATEGORY DATA

Financial Cards and Payments in the US - Industry Overview

EXECUTIVE SUMMARY